A credit card limit of 100,000 yuan does not necessarily mean a successful person. Many of the successful people I know have a credit card limit of less than 100,000 yuan. Therefore, there is no necessary connection between the two and cannot be judged based on the credit card limit. Whether it is successful or not.

My friend’s younger brother works in a bank. A few years ago, they had the task of applying for credit card limits of 100,000 yuan for teachers in a certain university. Therefore, many people I know have credit card limits of ordinary university teachers. 100,000, ordinary teachers should be considered unsuccessful. In addition, the staff of a state-owned enterprise we know also have a credit card limit of 100,000 yuan. They are just ordinary employees who can help others use their cards to cash out. These are not even considered successful people.

On the contrary, when I set out with the leaders of our company, I swiped my card to pay for the room. Some of them didn’t even have credit cards, and some still brought cash when shopping. In my opinion, they should be considered successful. people.

The above example may be an exception, but the credit card limit cannot prove whether a person is successful. This is related to the bank's card issuance method.

Banks have choices when issuing credit cards. First of all, it depends on your work unit. As long as you are an employee of an administrative institution or a large state-owned enterprise, the credit card review is relatively simple and the approval limit is relatively high. If you are an individual In private companies, even if you are the boss or a senior executive, your application may still fail. Secondly, the bank will look at your income. If you have a stable job and a high income, the amount you will get will be larger. Otherwise, the amount will be lower. Look at your credit status again. If you have no default record and use it frequently, your credit limit will gradually increase.

In fact, this review method limits the development of credit cards to a certain extent, which is equivalent to artificially dividing people's identities. Credit cards have become a benefit for public officials, making it difficult for ordinary people to apply. Banks may do this mainly because the cost of breach of contract by public officials is relatively high, but it is detrimental to the popularity of credit cards and is equivalent to "lazy government". Therefore, Jack Ma saw the opportunity and vigorously developed Huabei, and JD.com also promoted Iotiao to expand the credit card business. Nibbled away.

Personal opinions, for reference only.

Being able to have a credit card limit of 100,000 does not necessarily mean that you are a successful person, but you must have relatively good conditions.

If you want to have a credit card with a limit of 100,000, there are two ways to achieve it. The first method is to directly apply for a credit card to purchase a new card with a limit of more than 100,000. The second method is to slowly increase the limit of a small credit card to more than 100,000.

Under normal circumstances, there are relatively few people who can directly apply for a credit card and be able to deposit more than 100,000. If you can apply for a new card and be able to deposit more than 100,000, then your own conditions must be better.

Under normal circumstances, the following groups of people can directly apply for a credit card with a limit of more than 100,000 when applying for a new card.

Category 1 people, people with good credit and own houses and cars.

If the applicant has good credit, nothing has been overdue in the past two years, and has a house in his name with a value of more than 1 million, or a car with a value of more than 200,000, then Some banks can directly place credit cards with a limit of more than 100,000.

The second category of people are civil servants or employees of public institutions.

The biggest characteristics of people like civil servants or public institutions are relatively high wages and stable jobs. Banks favor these people the most. For example, don’t be surprised if a hospital nurse applies for a credit card and is approved for a credit limit of 100,000.

The third category of people are business executives or business owners.

The characteristics of this group of people are generally relatively high income and relatively strong spending power. For example, many business owners often use credit cards to purchase goods, and they use large amounts of credit cards, which can create a lot of profits for banks. If its annual income can reach more than 200,000, there is a certain opportunity to add a credit card with a limit of 100,000.

Category 4 people have good credit and have large credit cards. They apply for large credit cards by applying for a card.

At present, when applying for credit cards, many banks will refer to the approved limits of other banks. If you have a credit card with a large limit from the four major banks, such as more than 50,000 yuan, then apply for those credit cards that are being vigorously promoted. It is possible to obtain a credit limit of 100,000 with bank credit cards at this stage, such as China Guangfa Bank, Guangzhou Bank, Shanghai Pudong Development Bank, etc. It is easier to apply for a large credit card with a card.

At present, there are very few people who can actually apply for a credit card to make a deposit of more than 100,000 yuan. Most people have a credit card limit between 5,000 and 50,000 yuan. They want to have a credit card with a limit of more than 100,000 yuan. , the limit can only be increased slowly through later card maintenance.

For those who have obtained a credit limit increase through card maintenance, in fact, many of them are not successful people. There are only four core points to obtain a credit limit increase from the bank:

No. One is good credit

Good credit is the most basic prerequisite for getting a credit limit increase. If you want to get a credit limit increase, you must not have any overdue credit within the last two years. It is okay if it happens once in a while, but it must not be overdue. More than two overdue payments.

The second one is to create higher profits for banks

The core purpose of banks issuing credit cards to everyone is to get people to swipe more cards. The more cards people swipe, the more money the bank earns. The more there are, the higher the motivation will be to increase everyone’s quota. Under normal circumstances, those who often make large purchases and whose monthly consumption limit can reach 60 to 70% of the credit limit are most likely to receive an increase. If you often make large purchases on your credit card and are able to repay it in full and in time every time after the statement comes out, this is the easiest way to get a bank raise. Normally, most banks will raise your limit every 3 months. The amount will be raised once every 6 months. It is very possible for a credit card with a limit of 20,000 to 30,000 yuan to reach 100,000 yuan after repeated limit increases.

The third one is that there should be no obvious violations.

The bank credit card limit increase is also based on your legality and reasonableness. After all, banks are subject to supervision. Especially in the past year or so, the regulatory authorities have stricter supervision of bank credit card business. Many banks have imposed strict regulations on those who violate the regulations. Users are derated and blocked. Therefore, in the process of using credit cards, you must learn to master some skills and avoid excessive violations, such as unreasonable cash out (for specific ways to cash out reasonably, you can refer to some online suggestions).

The fourth step is to master certain amount-raising techniques.

Doing the first three points is indeed beneficial to credit card limit increase, but it may not necessarily be able to get a limit increase of 100. Sometimes some friends swipe a lot of cards, but it is also very common for them not to get a limit increase for a long time, so I want to To get a raise quickly, you must master certain skills.

At present, different banks have different techniques for increasing the limit. For example, Industrial and Commercial Bank of China can increase the limit through the purchase of financial products in a curve. For example, Bank of Communications often swipes the card in places such as supermarkets and it is easier to get the limit increase. , In addition, some banks often do large-amount installments, which is also conducive to increasing the amount. It depends on the situation of different banks.

Of course, the above methods will indeed help to improve it, but they may not guarantee that you will get a quota of more than 100,000. After all, the bank must also focus on some of your own other conditions when approving the quota. For example, your income also depends on your total credit limit. Currently, bank approval limits are subject to rigid deductions. If you have credit card limits in multiple banks, it will be difficult to get an increase of more than 100,000.

Take my friend as an example. He has a lot of expenses and basically cannot make ends meet every month. If he usually has dinner or goes to a nightclub, he basically relies on his credit card to support his expenses. At first, his credit card was only 2,000 yuan, but it increased to 128,000 yuan within 3 years. If you can see his credit card usage records, you will find that his number of installments and ability to fulfill contracts are particularly strong, so the increase in his credit card limit is also particularly strong. quick.

But one thing needs to be understood. If the credit card limit can reach 100,000, it can only mean that the user is a high-quality credit card user of the bank based on the frequency of credit card use and the ability to keep promises of a certain bank. It has nothing to do with whether you are a successful person or not. As far as I know, those with high credit card limits are not necessarily successful people, but the credit cards of successful people certainly do not have credit card limits of tens of thousands or hundreds of thousands. Taking the ICBC Centurion Platinum Card as an example, it needs to meet the following conditions:

In other words, there are some special credit cards, not because you use them frequently, have strong performance capabilities, and have good credit You can get it if you are in good standing, but you also need to have a deposit in the bank, have social status, and have recommenders.

1) The work unit is high-quality, especially the formal jobs in some state-owned enterprises and central enterprises. If you hold important positions, the credit limit will not be too small.

2) Educational qualifications and social security. If you do not have a deposit in the bank where you apply for a credit card, the bank will generally consider your academic qualifications and social security. The higher the academic qualifications, the greater the card limit and the longer the social security payment period. The bigger the card limit is.

3) The credit report is excellent. If you have ever committed a breach of contract, you may not be able to apply for a credit card within 5 years. Even if you have applied for a credit card, it will be frozen, and in serious cases you will be sued. However, the general practice of banks is that after the credit card is frozen, you can only borrow it.

4) Professional income. When your monthly income reaches a certain level, especially when the salary is paid in the form of bank cards, the credit card application rate of the bank is almost close to 100, and the limit will be very high. .

5) There are generally three ways to apply for a card, third party, counter, and appointment. If we look at the probability and amount of card issuance, my personal experience is that the probability of making an appointment with a salesperson to go to the company to apply for the card is The amount will be larger.

To sum up, don’t think of people with credit card limits of more than 100,000 as successful people. At least there are a few friends around me with credit cards of more than 100,000, and there is even a girl named Huabei. The total amount of borrowing and borrowing is close to 200,000 yuan, and the total amount of mine is less than 30,000 yuan. At least, like them, I am not a successful person.

My GF DIY card has a limit of just 100,000. Who am I? Post-90s, rural registered permanent residence, college degree, no car or house, small individual business owner, married.

Having said this, most people are skeptical, thinking that my quota is fake, or that I have lied about my identity. The answer is that you are too superficial.

First of all, this card was applied for in the middle of 2015. At that time, I used the China Merchants Bank credit card in my hand to apply for the card, and was approved for a limit of 5,000. I kept using it and increasing the limit. Last year, it reached 100,000. And was promoted to GF five-star customer.

Why can I have this quota with my status? The answer is two words: contribution. That’s right, contribution to the bank. The purpose of banks issuing credit cards is to make money. The bank will give credit lines to anyone who can bring stable, long-lasting and relatively large profits to the bank.

Banks collect information from credit card users mainly through big data analysis of card consumption records to determine the level of the cardholder and provide a limit for the corresponding level.

Back to the topic, people with high credit limits are mainly because in the process of using the card, the bank thinks that the cardholder has a high income, strong strength, and can continue to bring relatively large benefits to the bank in a long-term and stable manner. income. Therefore, with a high credit limit, there are two types of people: those who are truly capable, and those who know how to use their cards wisely. I am the latter. I think like a bank and use cards in a targeted manner.

Nowadays, there are many credit cards with a credit card limit of more than 100,000. It is not only successful people who have credit cards with more than 100,000. Many so-called successful people with good qualifications may have a good initial credit limit, such as 100,000. or above, but if it is not used later or is used irregularly, the credit will still be withdrawn.

On the other hand, some people with no credit card have a very low initial credit limit. By swiping the card frequently, the credit limit can be increased to 100,000 in two or three years. Take the simplest bank, Agricultural Bank of China, which used to increase the credit limit from 3 to 1, and it will soon reach 10,000. Ten thousand, now it has been changed to 6 1. Even a 5,000 card can reach 100,000 in two or three years (because the cap is 100,000, and further increases require branch review). The Agricultural Bank of China is very stable in increasing the amount, and the range is large. You can follow Calculate the range of 40.

Let’s talk about Everbright, one of the banks that has very stable quota increases. Its quota increase may not be that big, between 15-40, but Everbright’s starting quota is high, so in two or three years It can also reach more than 100,000.

So to sum up, having more than 100,000 cards has little to do with whether you are a successful person. It mainly depends on your posture and standards for using cards, and your understanding of credit cards.

The above represents individuals only.

Owning a large credit card is a dream for many people, especially among the four major state-owned banks. At the very least, you must have a high and stable job and income, and you may even need certain real estate assets. Therefore, large-limit credit cards are regarded by many people as a symbol of status.

However, a credit card with a limit of 100,000 yuan is not considered a successful person. As long as your workplace is pretty good and your income can stably reach more than 10,000 yuan, there is almost always a chance. It is especially convenient to apply for a card at a national joint-stock bank. For example, civil servants, employees of public institutions, managers of large foreign-funded enterprises, etc.

In fact, large-limit credit cards are not necessarily a good thing. They should have pros and cons. If your repayment ability is average, holding a large-limit credit card is also a burden. Especially for those who can't control themselves, don't expect the limit to be raised too high.

For a long time, many people who use credit cards have a crazy obsession and obsession with increasing their credit card limit. Some people originally have a credit card limit of more than 10,000 yuan, but they are still not satisfied with this and always want to exceed 100,000 yuan or even more than one million yuan.

To be honest, when it comes to how much credit card limit a person can be considered successful, I personally think it should be at least one million or more. And if you want to get more than one million credit cards, your workplace is particularly important. Important, it can be said that it is closely related to the ceiling of your credit limit. For example, for civil servants in economically developed areas, it is common for personal credit cards to exceed one million. If you were from a fourth-tier city, even if your credit score was very good, it would still be impossible for you to be granted a credit of more than one million yuan.

It can be said that issuing a credit card is no different from a loan. Banks in different regions have different standards for wealthy people. Those who want to obtain a credit card with a limit of more than one million must be worth at least tens of millions or have Cash assets of more than one million. Or there are good real estate resources. In addition, it also depends on whether you know how to play. Some experts can get a card worth 500,000 yuan in a small county, compared with those who can get a credit of 1 million yuan in a big city. This one is more intense.

In short, judging from a credit card with a limit of 100,000, he cannot be considered a so-called successful person at all. If you have to judge by credit card limit, you need to look at it comprehensively based on different cities, different types of cards, etc.

The size of a credit card limit does not depend on how successful the cardholder is.

First of all, my personal credit cards are sparse due to low usage, and the amount of credit card swiped is relatively small. The highest credit card limit is only 50,000 yuan, which is mostly used in emergencies.

As for my colleagues, their monthly credit card consumption amount can reach tens of thousands. They often apply for installments and guarantee that they will not be overdue. The credit card limit has been increased from 20,000 to 100,000 in just one year.

Another thing is that I once handled a loan business for a listed company CEO. A credit check showed that he had two credit cards in his name, one with a limit of 100,000 and one with a limit of nearly 300,000.

For those who work in enterprises and institutions, as well as public officials in government departments, the credit card limit can generally be between 50,000 and 100,000.

The main purpose of banks issuing credit cards is to bring profits, so daily card consumption will bring part of the fee income to the bank.

If you frequently carry out bill installments, it will bring high installment fees to the bank, which is what the bank likes to see.

At the same time, find ways to become a high-quality customer of the bank. Once you have a large amount of deposit funds in a credit card issuing bank and frequently handle business at that bank, the bank will know you thoroughly and it will be very easy to increase your credit limit.

What’s more, no matter how big or small the amount is, if you use a certain credit card intensively, the number of purchases will be large, and it will easily become the target of bank credit card limit increase.

One thing to note: Although frequent card swiping will bring handling fee income to the bank, the behavior of malicious cashing out and maintaining the card is also expressly prohibited by the bank. Once detected by the bank, it is very likely to reduce the limit and block the card, which is not worth the gain.

In short, developing good card usage habits and participating in more bank credit card activities can generate more revenue for the card-issuing bank, which are all very convenient ways to increase your credit limit. When the credit card limit reaches more than 100,000 yuan, it becomes a piece of cake.

What kind of "successful" people are those who have a credit card limit of 100,000?

Are people with a credit card limit of 100,000 necessarily the so-called "successful" people? Not necessarily? At least that’s what I think!

Sorry, the limit of my Guangfa Credit Card is indeed over 100,000, but am I a successful person? . . . . . . Absolutely not!

The reason why I chose Guangfa Card at that time was actually very simple. I had several credit cards before, and most of them had starting limits of around 20,000. The most disgusting one was Huaxia’s credit card. The card actually only gave me a limit of 5,000! GF is very generous and gave me a starting quota of 37,000! As a salaried person, it doesn’t matter if you have too many cards, you just need enough. And under the premise of enough, the higher the limit, the better. Therefore, after I got the 37,000 limit of Guangfa Card, I naturally used other cards. The credit card account has been closed!

Is it difficult to increase the quota to 100,000? I really don't know! Because the limit of my Guangfa card was increased unknowingly, and it seemed that every time the limit of the Guangfa card was increased, it was basically an increase of 30%. I remember that in the beginning, Guangfa Card would provide a certain temporary limit during holidays and festivals. I don’t know why, but slowly, these temporary limits became permanent limits!

Due to work reasons, I often use my GF card to make some work purchases. The amount can vary, but after one year, the total amount is not too small, but GF The bank could not tell whether my consumption was personal or corporate. Perhaps because the total consumption limit was not bad, my limit kept rising inexplicably, until one day it exceeded 100,000!

Some people may think that the higher the credit card limit, the better. Is this really the case? Hard to say, right? At least that’s not what I think! When my limit exceeded 100,000, I was actually always worried. I always thought: What should I do if one day I get hot-headed and spend an amount I can't bear? My salary is there and my credit limit is there. My salary is not proportional to my credit card limit. If I spend an unbearable amount, wouldn’t I be making myself uncomfortable? At this time, you will wish that your credit card limit was not so high! But this is impossible, so you can only restrain yourself and keep your consumption as much as possible within what you can afford.

From my example, we can see that reaching a credit card limit of 100,000 is not just for successful people, it can also be achieved by ordinary people.

But is a higher limit really a good thing? This can only be a matter of benevolence and wisdom. The fundamental principle is to maintain your original intention, live within your means, and don’t be burdened by the quota! ! !

Who is considered a successful person if he has a credit card of 100,000!

It is not difficult to reach the limit of 100,000. Use the card rationally, diversify your consumption, repay the loan on time, and make installments from time to time. This kind of limit will increase quickly!

In the past, I felt that credit cards were more convenient than banks providing warmth.

Now I feel like I am in a trap. I am trying my best to find a way out. To sum up, there is no free lunch in the world!

The credit card business contributes huge profits to banks every year, and all banks are trying their best to grab this piece of meat. Cards can be applied for through various card application channels, which has spawned many industries. At the same time, after the expiration date, the cards are also collected!

A truly successful person should have a limit of more than 1 million, or directly get a black card.

What’s even better is that you don’t even need a credit card! The more successful people are, the more they know these truths. If you don’t use your credit card well, it will be a trap. If you overdue it, you will be charged a lot of interest and liquidated damages. Upload your credit record!

Therefore, I am taking the initiative to deal with my own credit cards, even the small ones! The remaining amount is larger. Also in the plan.

It’s hard to live with a loan, but it’s easy to live without debt!

My credit card limit is 100,000